Intermediate Lender

An intermediate lender in P2P lending is an individual who has some experience and knowledge in the peer-to-peer (P2P) lending industry and is seeking to lend in a more diversified portfolio of loans. This type of lender has likely gained some knowledge of the industry through previous lending or research and has a better understanding of the risks and rewards of lending in P2P loans.

Some characteristics of an intermediate lender in P2P lending include:

1. Diversified portfolio: An intermediate lender will typically have a diversified portfolio of loans across different borrowers and risk levels. This helps to mitigate the risk of individual borrower defaults and can provide more stable returns.
2. Moderate risk tolerance: An intermediate lender is willing to take on some risk to achieve higher returns but is not willing to take on excessive risk that could lead to significant losses. They typically lend funds for loans with moderate interest rates and lower default rates.
3. Regular lending activity: An intermediate lender is likely to make regular lending funds in P2P loans and may have a set lending strategy or approach that they follow. This can include lending for loans with specific risk profiles or focusing on loans in certain industries or regions.
4. Comfort with P2P lending platforms: An intermediate lender is comfortable with P2P lending platforms and has likely used them in the past. They are familiar with the platform's user interface, loan selection process, and lending options.

Overall, an intermediate lender in P2P lending is an experienced and knowledgeable lender who is seeking to build a diversified portfolio of loans with moderate risk and steady returns. They are comfortable with P2P lending platforms and have developed a regular lending strategy that aligns with their risk tolerance and lending goals.